Meet our team

The Founders

Co-Founder & Chief Executive Officer

Simon Penhaligon

Simon is truly passionate about solving business problems. With 20 years engineering experience, Simon’s skills are forged in combining science and technology to find the best solutions to busine...

Simon is truly passionate about solving business problems. With 20 years engineering experience, Simon’s skills are forged in combining science and technology to find the best solutions to business needs. Further enhanced by 6 years in asset finance, with the launch of a car finance brokerage in 2017. While successfully growing the asset finance brokerage, Simon became increasingly underwhelmed by the lack of great finance technology solutions for both dealers and brokers. Whether it be capturing high quality verified and validated leads for dealers or helping brokers to write more deals, safely, accurately, and with a lower cost to serve. The increasingly apparent vacuum of great brandsafe business-centric tech solutions lead to the birth of YOUx – Finance Technology & Fulfilment. Fast forward to 2023 and YOUx’s industry-first proprietary products are increasingly adopted and trusted by OEM manufacturers, dealers, brokers, lenders and customers to collectively process $7.4 billion in finance opportunities annually.

Co-Founder & Chief Technology Officer

Grant Clayton

With over 11 years of diverse experience in IT system design, project management, start-ups, business ownership, and finance broking, Grant is a seasoned professional with a passion for driving eff...

With over 11 years of diverse experience in IT system design, project management, start-ups, business ownership, and finance broking, Grant is a seasoned professional with a passion for driving efficiency through automation. His expertise in operations management and sales management has shaped his visionary approach to software design, ensuring that YOUx products empower businesses across industries with streamlined processes and cutting-edge technology.

Grant’s track record includes successfully designing and project managing custom CRM implementations for two ASX listed businesses and a large government department. Grant played a pivotal role in growing an asset finance brokerage alongside his partner, Simon. He also led the design and management of custom CRM implementations for renowned organizations such as SEEK, Laureate University, and TAFE NSW. Recognizing the immense potential for efficiency and self-service technology in the asset finance industry, Grant’s mission is to make these advancements accessible to all, ensuring the industry’s growth and meeting the evolving expectations of customers. His catchphrase, “”Efficiency through automation,”” encapsulates his commitment to delivering innovative solutions that enhance productivity and customer experience.

The Leaders

Director, Board of Directors

Gus Kininmont

Gus has extensive experience in banking, finance, accounting and treasury operations in Australia and New Zealand. He is responsible for executing the NationWise corporate growth strategy, directin...

Gus has extensive experience in banking, finance, accounting and treasury operations in Australia and New Zealand. He is responsible for executing the NationWise corporate growth strategy, directing business unit operations, driving profitability, motivating staff, and ensuring compliance with all legal and statutory requirements.

Before joining the NationWise Group in 2021, Gus was the Executive General Manager – Treasury & Finance at ASX listed Automotive Holdings Group Limited (Australia’s largest automotive retailer) and the Chief Financial and Administration Officer at the Japanese-owned conglomerate IDOM Automotive Group. Gus has also held numerous senior roles at ANZ Bank, in a variety of business units. Gus has keen business acumen and commercial awareness, with an excellent ability to think strategically with a forward-looking focus. He is based in Perth at the Group’s headquarters.

Chief Commercial Officer

Andrew Moulds

Andrew lives and breathes finance penetration for the dealership. With 32 years experience in the finance and dealership space, including 11 years as State Manager for Ford Motor Credit Company and...

Andrew lives and breathes finance penetration for the dealership. With 32 years experience in the finance and dealership space, including 11 years as State Manager for Ford Motor Credit Company and 9 years as Group Financial Services Manager at Alto Group. In addition to positions as Head of Asset Finance for Lend and now Chief Operating Officer at YOUx Finance Technology.

Andrew has significant achievements, such as, development of commercial asset product matching engines, establishing and responsible manager for multiple credit licences and driving exceptional growth within the dealer and broker channels. Possessing a keen and insightful commercial mindset for the industry, Andrew is passionate about helping dealerships unlock their finance potential to sell more cars, more quickly, with a lower cost to serve. All supported by YOUx’s Finance Technology & Fulfilment capabilities.

Chief Success Officer

Alem Cokljat

Alem is a seasoned professional with a remarkable 17-year career in consumer and commercial asset finance. As the Chief Success Officer at YOUx, Alem’s expertise in this field has proven inst...

Alem is a seasoned professional with a remarkable 17-year career in consumer and commercial asset finance. As the Chief Success Officer at YOUx, Alem’s expertise in this field has proven instrumental in driving the company’s growth and ensuring client satisfaction.

Throughout his career, Alem has showcased his extensive knowledge of commercial and consumer asset finance, acquired through his tenure at renowned international banks and lenders. His ability to navigate complex financial landscapes and provide strategic insights has earned him a reputation as a trusted advisor in the industry. Notably, Alem’s exceptional fiscal acumen was recognized when he was appointed as a consultant for fiscal matters in the economics transition unit, overseeing the distribution of a staggering $4 billion in public revenues at both the entity and state levels. Additionally, Alem’s visionary leadership led to the establishment of YOUxLodge’s process and operations structure, laying the foundation for the company’s continued success.

Chief Operating Officer

Julian Fayad

Julian has 12 years experience in automotive and asset finance which includes running finance departments for large dealer groups, training F&I managers at a state leveland helping scale multip...

Julian has 12 years experience in automotive and asset finance which includes running finance departments for large dealer groups, training F&I managers at a state leveland helping scale multiple finance businesses including leading teams through an ASX Automotive company buyout.

At the age of 18, Julian developed and deployed an app in the Apple AppStore and has since continued to push boundaries in emerging technologies such as AI. Julian is an expert in all things sales and operations using data to make intelligent decisions and lead change. Julian has pioneered many industry firsts in finance technology, driving meaningful change for dealers, lenders, brokers and partners. Julian is known for seeing things very differently to others which is channelled into solving problems.

Head of OEM Manufacturer & Automotive Partnerships

John Boctor

With a strong background in finance and a passion for the automotive sector, John has established himself as a respected professional in Australia and Canada. Throughout his career, John has gained...

With a strong background in finance and a passion for the automotive sector, John has established himself as a respected professional in Australia and Canada. Throughout his career, John has gained extensive experience working for reputable companies such as Hyundai Capital and Toyota Finance.

He has played a crucial role in managing finance operations and ensuring smooth transactions between dealerships, original equipment manufacturers (OEMs), and customers. John’s expertise in dealership finance has allowed him to develop effective strategies and innovative solutions to maximise customer satisfaction and drive business growth. John has collaborated with some of the industry’s most innovative automotive finance brokerages. His experience working alongside these forward-thinking companies has given him a unique perspective on emerging trends and technologies that are reshaping the automotive finance landscape.

Head of Strategic Partnerships AU & NZ

Robbie Fidler

Robbie is an experienced Business Development Leader with over 20+ year’s of extensive success across International and Local Brands. He has worked extensively in SME & Corporate finance (cha...

Robbie is an experienced Business Development Leader with over 20+ year’s of extensive success across International and Local Brands. He has worked extensively in SME & Corporate finance (channel & direct sales), corporate manufacturer vehicle sales (channel & direct sales), retail operations, import, distribution, FinTech’s and on-demand services.

He was previously a partner and key stakeholder in Splend, one of the world’s first vehicle as a subscription service. Instrumental in setting up operation teams, hiring executive leadership, policy development, asset financing arrangements and instrumental in IM documentation used to secure $7.2 million in capital and a $220 million debt facility from Element Fleet Management (TSE: EFN) that led to one of the world’s fastest growing vehicle as a subscription service at a value of $57.6 million when he was bought out.

Chief Marketing Officer

Alex Rogers

Alex’s enthusiasm for effective marketing comes from a deep interest in understanding consumer behaviour and the cross-section between data, technology and communications. With more than 17 y...

Alex’s enthusiasm for effective marketing comes from a deep interest in understanding consumer behaviour and the cross-section between data, technology and communications. With more than 17 years digital marketing and comms experience, Alex continues to develop strategic and impactful marketing solutions.

Utilising CX/UX, digital experience platforms, applications, CRM, programmatic performance and social content, Alex has supported a range of bluechip brands, including: Sony, Suzuki, MasterCard, Moët Hennessy, IAG, Woolworths, Caltex and Optus. In 2016, Alex started, built and sold a successful marketing agency, before exploring an automotive start-up business model and now taking the marketing reigns, as a chief marketing officer role of YOUx.

Development Team Lead

Reid Morrison

Reid Morrison is a seasoned software engineer and team lead with a proven track record of driving digital transformation and delivering successful software development projects. With 10 years of ex...

Reid Morrison is a seasoned software engineer and team lead with a proven track record of driving digital transformation and delivering successful software development projects. With 10 years of experience, Reid has a strong background in SDLC, technical analysis, design, development, and deployment across various domains.

Reid has a keen understanding of the current digital landscape and the importance of leveraging technology to transform businesses. His expertise lies in identifying opportunities for digital transformation and implementing strategies to modernize and optimize processes. By leveraging emerging technologies, Reid has helped organizations streamline operations, enhance customer experiences, and drive growth.

Fulfilment Team Leader

James Sebastian

James is a fulfilment team leader, specialising in commercial asset and equipment lending, with a passion for guiding teams and delivering exceptional financial solutions. He previously spent four ...

James is a fulfilment team leader, specialising in commercial asset and equipment lending, with a passion for guiding teams and delivering exceptional financial solutions. He previously spent four years in dealerships, one as a salesperson and three as a business manager, refining his negotiation skills and business acumen. James’ approachable nature and empathetic understanding of clients’ needs allowed him to provide tailored financial advice and solutions.

Now with a total of 7 years asset finance experience, James continues to be driven by a commitment to client satisfaction, demonstrated through his attention to detail, active listening, analytical prowess, and strategic thinking – to help clients meet their goals.

The Pros

Senior Fulfilment Consultant

Kyle Kelton

Kyle started in a small car yard at 19 years of age and now has over a decade of experience in the dealership and finance space from selling cars to running large finance departments. He loves noth...

Kyle started in a small car yard at 19 years of age and now has over a decade of experience in the dealership and finance space from selling cars to running large finance departments. He loves nothing more than seeing dealerships succeed through high penetration and IPVR results with a demonstrated history of turning junior teams into income generating juggernauts.

Senior Fulfilment Consultant

Martin Nguyen

Martin Nguyen is a young and experienced finance broker with a diverse background in the dealership industry and a specialization in consumer and commercial asset finance. With a passion for assist...

Martin Nguyen is a young and experienced finance broker with a diverse background in the dealership industry and a specialization in consumer and commercial asset finance. With a passion for assisting individuals and businesses in achieving their financial goals, Martin Nguyen brings a fresh perspective and valuable expertise to the table.

Fulfilment Consultant

Peter Manconi

With extensive experience in the motor industry and a proven track record in customer service, Peter is dedicated to providing a personalized and exceptional experience. His attention to detail ens...

With extensive experience in the motor industry and a proven track record in customer service, Peter is dedicated to providing a personalized and exceptional experience. His attention to detail ensures that every interaction is handled with utmost care, aiming for the best outcome for the customer. Peter is always happy to lend a hand and offer guidance, ensuring that customers’ needs are met and expectations exceeded. Trust Peter to deliver exceptional service, tailored specifically to your unique requirements

Product Manager

Valerie Dharmasputra

Valerie values finding meaning in work she knows will make a positive difference. Over the last 6 years Valerie has settled into and built a solid understanding of the financial services industry, ...

Valerie values finding meaning in work she knows will make a positive difference. Over the last 6 years Valerie has settled into and built a solid understanding of the financial services industry, starting as a Customer Service Officer then progressing on to being a Loan Officer, Senior Loan Officer and Senior Credit Analyst. This has assisted in her current role as Product Manager for the Matching Engine (lender credit matrix) system.

Out of her curiosity to continued learning and developing personally and professionally, Valerie has previously volunteered and worked in a broad range of roles and industries. Through these various roles Valerie has picked up and excelled at a well rounded set of skills, such the likes of – interpersonal skills, analysis, attention to detail, which has been transferable to whatever role she takes on.

Executive Assistant

Stacey Rogers

Stacey’s professional journey in equestrian-oriented roles has cultivated her adaptability, passion, and creativity. Within this realm, she discovered her aptitude for contributing to the dev...

Stacey’s professional journey in equestrian-oriented roles has cultivated her adaptability, passion, and creativity. Within this realm, she discovered her aptitude for contributing to the development and launch of online auction platforms, evident in her successful endeavors with Equiauction and the US-branded bloodstockauction.com.

After transitioning from the equestrian space, Stacey embarked on a three-year tenure as a finance broker in the dealership industry. This experience provided her with valuable insights into the world of brokering and the intricacies of the financial landscape. Motivated by her unwavering hunger for innovation and collaboration, Stacey sought out an executive role that allows her to flourish by embracing both these elements. Her innate drive to push boundaries and think outside the box finds a perfect match in this position.

Submit your CV for future opportunities

Join the YOUx team